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What happens if you don't repay a loan app in India?
Missed EMIs, SMA flags, CIBIL damage and recovery calls, then what RBI's 6 August 2026 directions change from 1 January 2027, including phone locking.
TopicPermissions
3 articles
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Can a loan app access my contacts in India? The Play rule
Play's Personal Loans policy bars READ_CONTACTS and seven other permissions, and only apps on the RBI DLA list may submit in India. Read 20 Sept 2026.
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Permission creep: what a loan app asks for, and why it matters
Device permissions are where a lending app's intentions become legible before a single rupee moves. The rules have tightened; the request patterns have adapted.